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Demand for administration fee?
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I think it's going to be really difficult to provide useful suggestions, because each post you make introduces new pieces of the jigsaw, and raises more questions.
For example:A demand was not issued for the late payment fee that is listed as an administration fee on your statement, however you were made aware that this would be applied to your account.
So if you've received a statement showing the late payment charge, I suspect that statement is the demand for payment.
(TBH, that would make more sense. Rather than making multiple demands for small amounts through the half-year, they put all the fees on your statement, and demand them all at the same time.)0
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